Find your escape with motorcycle financing built for firefighters.
A motorcycle means something different to a firefighter. It’s not just a machine. It’s the ride that clears your head after a long shift, the escape that puts miles between you and everything else. Whether you’re after a cruiser, a sport bike or something in between, Firefighters First Credit Union makes it straightforward to get there. We offer the same competitive rate on new and used bikes, up to 115%* financing on approved credit and terms up to 72 months.**
Why finance with Firefighters First Credit Union?
We’re a Credit Union built exclusively for the Fire Family. That means every product we offer, including our motorcycle loans, is designed with your financial well-being in mind.
-
Same rates for new and used bikes -
Up to 115%* financing available
-
Terms up to 72 months**
-
No hidden fees or surprises
Competitive motorcycle loan rates that fit your ride.
Explore our current motorcycle loan rates with flexible terms up to 72 months. Whether you are financing new or used, our competitive options help you keep payments manageable and get on the road with confidence.
| Annual Percentage Rate (APR) as low as | Term (up to) |
|---|---|
| 6.24% | 24 Months |
| 6.74% | 60 Months |
| 7.24% | 72 Months |
Start your motorcycle loan application.
Tell us a bit about your motorcycle and what you’re looking for and our team will guide you through your financing options. It only takes a few minutes to get started and we’ll follow up to help you take the next step with confidence.
Everything you need to know about motorcycle loans.
What types of motorcycles does Firefighters First Credit Union finance?
We finance new and used motorcycles including cruisers, sport bikes, touring bikes and more. If you’re unsure whether your bike qualifies, contact us and we’ll let you know.
Can I finance more than the purchase price of my motorcycle?
Yes. Based on the vehicle, we offer up to 115%* financing on approved credit, which means the loan can cover more than just the purchase price. Taxes and other costs associated with the purchase may be included depending on your approved amount.
Are there term restrictions for used motorcycles?
Yes. The maximum loan term for a used motorcycle over five years old is 60 months. Newer bikes are eligible for terms up to 72 months. Contact us for details on your specific situation.
What’s the difference between getting a loan from Firefighters First Credit Union versus a dealer?
Dealership financing is often arranged through third-party lenders who may not offer the most competitive rates. When you finance through Firefighters First Credit Union, you’re borrowing directly from a credit union built exclusively for the Fire Family. That means your rate is not marked up to benefit a middleman. This may also help lower the cost of additional products like GAP. It’s worth getting pre-approved with us before you visit a dealership so you know exactly what you qualify for.
How do I know what rate I’ll receive?
Your rate is determined by several factors including your credit score, loan term and loan amount. The rate shown on this page is the lowest available rate. The best way to find out your actual rate is to apply. Contact us if you have questions before applying.
Can I refinance an existing motorcycle loan?
Yes. If you currently have a motorcycle loan with another lender and you’re paying a higher rate, we may be able to refinance it at a better rate. Contact us or stop by a branch to explore your options.
How long does the application process take?
The inquiry form on this page takes just a few minutes to complete. Once submitted, a member of our team will follow up with you to walk through the next steps. Decisions are typically made quickly, though the exact timeline can vary based on the complexity of your application.
Do I need to be a member to apply?
You need to be a member to receive a loan from Firefighters First Credit Union. If you’re not yet a member, you can join and apply at the same time. Membership is open to firefighters and their families. Visit our Become a Member page to get started.
APR = Annual Percentage Rate.
* Rates, terms, and conditions are subject to change. Subject to credit approval and collateral requirements.
** Some restrictions may apply.
1. Firefighter Insurance Services (#0G87848) is not insured by NCUA.
APR requires full direct deposit. To qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. Loans currently financed with Firefighters First Credit Union are not eligible for this offer. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, visit the Rates page. Rate discount applies to loans up to a term of 72 months.
Representative Example: A $15,000 motorcycle loan financed at 6.74% APR for 60 months would result in 60 payments of $295.18.
Maximum term for motorcycle loans is 72 months. Maximum term for used motorcycles over five (5) years old is 60 months. Taxes are based on selling price for new or used motorcycles.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact a Loan Officer for purchases out of state.